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BTL refinance placed despite B2 EWS1 and affordability restrictions

A broker’s client needed to refinance a buy-to-let with a B2 EWS1 rating and required remedial works, both limiting lender options, plus higher-rate tax affordability restrictions. We found a lender willing to proceed on the valuer’s comments and secured a two-year fixed rate with a low product fee, enabling the client to increase the property’s monthly rental.

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